RV Insurance: Why It’s Important

Taking to the open road in an RV is a dream for many people. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. If an accident should happen, it’s reassuring to know that you and your investment are protected.

Do I need RV Insurance: Yes, it is mandatory that you insure your RV, but depending on whether you financed your RV, you may be required to purchase specific coverage, such as collision or comprehensive.

Full or Part Time Coverage: If you live in your RV, having Full-Time Coverage will be necessary. This is similar to homeowners insurance, which may protect you in the case of any damage, natural disaster, theft and other unexpected circumstances that happen to your RV. Part-timers can save a significant amount of money by purchasing a “storage option,” which suspends certain coverage (like collision) during the months you are not traveling. Although policies vary, your RV will likely still be protected in case of fire, theft or other damage.

Personal Protection Coverage: If you live in an RV full-time, you probably travel with many of your personal belongings. It is important to make sure your belongings are protected by purchasing Personal Property Coverage, also known as Contents Coverage. It is also a good idea to consider insuring costly additions to your RV such as a satellite dish, grill, or awning.

Vacation Liability Coverage: If your RV is parked at a campground or lake for a period of time, you may want to consider vacation liability coverage. This policy protects you if someone is injured at your campsite or in your RV while it’s off the road.

With RV Insurance from Lenz-Balder Insurance, you can travel with confidence, knowing that you, your vehicle, and your passengers are protected. Contact us today to find a coverage that will work for all your adventures.